Mintos
Multi-Asset~12% Rendementen
Voordelen
- Largest platform
- Regulated
- €20K protection
- Many loan types
Nadelen
- Complex for beginners
- Past defaults
Oordeel
The most established P2P platform in Europe. Great for diversification.
Vind Jouw P2P Platform
Onafhankelijke vergelijking met fiscale rekenmachine.
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Platforms
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Max Yield
0%
Avg Return
Platform Vergelijking (24)
| Categorie | Reg | Bonus | Registreren | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consumenten | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Registreren |
| Nectaro | Consumenten | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | Registreren |
| PeerBerry | Consumenten | 11% | 2/10 | ECSP | 0.5% Welcome + Tot 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1% | €10 | Registreren |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Tot 350€ Vaste Bonus GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Registreren |
| Digilo | Vastgoed | 9-12% | 5/10 | ECSP | 1% Cashback 1% referral-cashback op de primaire markt gedurende de eerste 60 dagen • Beide partijen | €150 | Registreren |
| Mypeak.finance | Bedrijven | up to 16% | 8/10 | None | — | €1 | Registreren |
| Afranga | Bedrijven | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registreren |
| InRento | Vastgoed | ~12% | 2/10 | Lithuanian CB | 20€ Vaste Bonus First project • Min €500 | €100 | Registreren |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Tot 5% Cashback July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026) | €100 | Registreren |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registreren |
| Lendermarket | Consumenten | ~14% | 6/10 | None | 75€ Vaste Bonus Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Registreren |
| Maclear | Bedrijven | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback €15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days | €50 | Registreren |
| Modena | Consumenten | 8.5-11% | 2/10 | Regulated | 25€ Vaste Bonus + Tot 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | Registreren |
| Viainvest | Consumenten | ~11.8% | 2/10 | Regulated | 15€ Vaste Bonus Referral link: invest at least €1,000 within 90 days • Both parties | €10 | Registreren |
| Income Marketplace | Consumenten | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | Registreren |
| LANDE | Landbouw | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €50 | Registreren |
| Debitum | Bedrijven | ~10% | 2/10 | Regulated | 20€ + Tot 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | Registreren |
| Bondora | Consumenten | ~6% | 1/10 | Regulated | 5€ Vaste Bonus New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Registreren |
| Revest | Vastgoed | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 30 days • Both parties | €0 | Registreren |
| SAVY | Consumenten | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registreren |
| Letsinvest | Vastgoed | up to 12% | 5/10 | ECSP | — | €100 | Registreren |
| Bondster | Consumenten | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registreren |
| Asterra Estate | Vastgoed | up to 14% | 6/10 | None | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | Registreren |
| FF Forest | Landbouw | up to 18% | 8/10 | None | — | €500 | Registreren |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | Registreren |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days | €100 | Registreren |
Monefit SmartSaver
Consumer
❌
Rendementen
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
0.25% bonus on net investments during first 90 days
Digilo
Real Estate
✅
Rendementen
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
Bonus
1% Cashback
1% referral-cashback op de primaire markt gedurende de eerste 60 dagen • Beide partijen
1% referral-cashback op de primaire markt gedurende de eerste 60 dagen • Beide partijen
Mintos
Multi-Asset
✅
Rendementen
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Tot 350€ Vaste Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
Consumer
✅
Rendementen
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Tot 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Rendementen
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback + Tot 1% Loyalty
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Nectaro
Consumer
✅
Rendementen
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
First 30 days • Max €1,000
First 30 days • Max €1,000
Mypeak.finance
Travel
❌
Rendementen
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Rendementen
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Rendementen
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Vaste Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Rendementen
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Tot 5% Cashback
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
Triple Dragon
Gaming
❌
Rendementen
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Rendementen
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
75€ Vaste Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Maclear
Business
✅
Rendementen
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
Consumer
✅
Rendementen
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Vaste Bonus + Tot 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
Consumer
✅
Rendementen
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
15€ Vaste Bonus
Referral link: invest at least €1,000 within 90 days • Both parties
Referral link: invest at least €1,000 within 90 days • Both parties
Income Marketplace
Consumer
❌
Rendementen
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
1% of the 30-day weighted average investment • Min €10 • Max €500
1% of the 30-day weighted average investment • Min €10 • Max €500
Ventus Energy
Energy
❌
Rendementen
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
Agricultural
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
3% Cashback
Primary Market investments during first 30 days
Primary Market investments during first 30 days
Debitum
Business
✅
Rendementen
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
20€ + Tot 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
Consumer
✅
Rendementen
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Vaste Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
New investor: €5 • Referrer: €5 after €50 invested within 30 days
Revest
Real Estate
❌
Rendementen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bonus
0.5% Cashback
Invest at least €10 within first 30 days • Both parties
Invest at least €10 within first 30 days • Both parties
SAVY
Consumer
✅
Rendementen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Rendementen
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Bonus
1% Cashback
Referral link: manual investments during first 90 days • Both parties
Referral link: manual investments during first 90 days • Both parties
FF Forest
Agricultural
❌
Rendementen
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Kapitaalallocatie
P2P werkt het best als 10% van portefeuille. Kernkapitaal verdient meer.
Gebruik P2P als satellietpositie met hoog rendement en haal winst weg voordat risico zich opstapelt. Houd rest van kapitaal waar serieuze beleggers lange termijn posities bouwen: gereguleerde broker, ETF-kern, CFD-tools wanneer nodig.
10% P2P-deel voor rendement, diversificatie en platformtests.
Winsten Neem winsten regelmatig op in plaats van alles bloot te laten aan lening- en platformrisico.
Core Plaats hoofdvermogen bij broker gebouwd voor ETF-portefeuilles en CFD-toegang.
Vind broker op Brokerfind → Hall of Shame Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
- Ventus Energy: Alleged investor scam patterns and repeated complaints about repayment issues.
- Esketit: Not classified here as a scam, but included for governance/reputation controversies.
- EstateGuru: Serious late-loan and recovery issues that hurt many investors.
- Twino: Long-standing delayed repayments and trust concerns reported by users.
- Revest24: High-risk behavior and multiple investor red flags reported by the community.
🎁 Bonussen
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% referral-cashback op de primaire markt gedurende de eerste 60 dagen • Beide partijen
Mintos
Tot 350€ Vaste Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Tot 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Tot 1% Loyalty
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Nectaro
1% Cashback
First 30 days • Max €1,000
Mypeak.finance
Geen bonussen momenteel beschikbaar
Afranga
0.5% Cashback
First 90 days
InRento
20€ Vaste Bonus
First project • Min €500
Indemo
Tot 5% Cashback
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
Triple Dragon
1% Cashback
Invest within 60 days • Both parties
Lendermarket
75€ Vaste Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Maclear
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
25€ Vaste Bonus + Tot 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Vaste Bonus
Referral link: invest at least €1,000 within 90 days • Both parties
Income Marketplace
1.0% Cashback
1% of the 30-day weighted average investment • Min €10 • Max €500
Ventus Energy
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
3% Cashback
Primary Market investments during first 30 days
Debitum
20€ + Tot 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Vaste Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
Revest
0.5% Cashback
Invest at least €10 within first 30 days • Both parties
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Geen bonussen momenteel beschikbaar
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
Geen bonussen momenteel beschikbaar
EtherFi
Geen bonussen momenteel beschikbaar
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days
Crypto-platformen: bekijk de individuele vermeldingen hierboven voor beschikbare bonussen.
📝 Platform Beoordelingen
Gedetailleerde analyse op basis van mijn persoonlijke ervaring.
PeerBerry
Consumenten11% Rendementen
Voordelen
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Nadelen
- Lower returns
- Limited loan types
Oordeel
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Nectaro
Consumenten14.9% Rendementen
Voordelen
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Nadelen
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Oordeel
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mypeak.finance
Bedrijvenup to 16% Rendementen
Voordelen
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Nadelen
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Oordeel
Niche mountain-travel financing platform with attractive target yields, but it should be treated as high risk because of its short track record and lack of strong regulation.
Modena
Consumenten8.5-11% Rendementen
Voordelen
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Nadelen
- Lower returns
- Limited loan types
Oordeel
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Consumentenup to 13% Rendementen
Voordelen
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Nadelen
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Oordeel
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Letsinvest
Vastgoedup to 12% Rendementen
Voordelen
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Nadelen
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Oordeel
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Consumentenup to 14% Rendementen
Voordelen
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Nadelen
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Oordeel
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
Asterra Estate
Vastgoedup to 14% Rendementen
Voordelen
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Nadelen
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Oordeel
Interesting higher-yield property platform for diversification, but it should be treated as a more speculative real-estate allocation rather than a core low-risk holding.
FF Forest
Landbouwup to 18% Rendementen
Voordelen
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Nadelen
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Oordeel
Unique sustainable forestry platform backed by Latvian land assets offering up to 18% returns. Interesting green niche but treat as high-risk due to lack of regulation and short track record.
⚠️ Waarschuwing
Investeren in P2P-leenplatforms brengt risico's met zich mee, waaronder het risico van gedeeltelijk of volledig verlies van het geïnvesteerde geld. Uw investering is niet gedekt door depositogarantiestelsels in de zin van Richtlijn 2014/49/EU, noch door beleggerscompensatiestelsels in de zin van Richtlijn 1997/9/EG. U ontvangt mogelijk geen rendement. Dit is geen spaarproduct en wij adviseren niet meer dan 10% van uw nettovermogen te investeren. Dit is geen financieel advies. Overeenkomstig Verordening (EU) 2020/1503.
🚀 Roadmap & verbeteringen
Mobiele app
Native iOS/Android-app voor het volgen van je portfolio onderweg.
Portefeuilletracker Actief
Realtime synchronisatie met platforms om rendementen te volgen.
Slimme meldingen
Notificaties voor nieuwe kansen en platformupdates.
👋 Over Mij — Francesco
Francesco uit Italië, enthousiast over alternatieve investeringen.
Ik test elke aanbevolen platform persoonlijk met eigen geld. Geen marketing, alleen praktische analyse.